The popularity of online payments is increasing every day. Today there is no longer a need to stand in long queues at the bank cash desk or spend a lot of time buying groceries and household appliances. Any goods can be ordered in online stores and immediately pay. One of the most popular online payment systems in Russia is Visa QIWI Wallet. This fast and convenient service is constantly evolving and offers its customers one of the most advanced remote payment systems.
Despite the fact that the Qiwi payment security system is quite reliable, situations often arise when funds go to the wrong address. What can be done? Is it possible to cancel the Qiwi payment and how to do it? To accurately answer this question, you need to clearly understand what caused the trouble and act quickly.
Why is this happening
There are two ways to translate:
- electronic service;
- special payment terminal where Qiwi payment is processed.
How to undo actions in each of the options and why, in fact, errors occur?
There are a number of situations when money sent by the payer never reaches the addressee:
- There was a mechanical error when entering the recipient's payment details.
- During the operation of the service, the system failed, and the payment was not transferred to the destination. This happens in case of loss of connection with the server, a long queue in the chain of transfers, a sudden power outage, a breakdown of the terminal or computer, and in a number of other cases.
- The payer was scammed or forced to make a transfer.
- After the transfer, plans have changed or the payer has changed his mind. For example, found a product cheaper or broke off relations with a service provider.
Each of them has a special algorithm of actions and requires detailed consideration. At the same time, it is important to understand that it will not always be possible to return the funds spent.
If an erroneous transfer occurred due to reasons beyond the payer's control, the chance to return the money is very high, after a thorough check, the administration of the service will reimburse the loss. If the payer himself is to blame for the trouble, the chance to return the money is not so great. But you should still try.
To understand if it is possible to cancel a payment to a Qiwi wallet and whatto do in one situation or another, let's look at them in more detail.
Payment transfer to a private person
Most payments in the Visa QIWI Wallet system take place between individuals. Therefore, to begin with, we will consider how to cancel a payment in Qiwi when it is made to a private person. There are two options here:
- payer personally knows the recipient;
- counterparty is an unknown person.
In the first case, there should be no problems with the return. You just need to contact the recipient, explain the situation and ask to transfer the money back. There is no point in contacting technical support, because the payment was made voluntarily, and the money was delivered to the addressee.
In cases where the counterparty is unknown, the situation becomes somewhat more complicated. First you have to find out the addressee's data and try to contact him. You need to go to your personal account in the service. The data of the user who received the payment will be visible in the "Transactions" section. There, the fact of the transfer is confirmed, and information about the recipient is indicated. If all fields are filled in and the wallet has been verified, it is easy to contact him. Then it all depends on whether you can convince the person to return the transferred funds.
If you fail to convince the counterparty, it makes sense to contact the law enforcement agencies and try to prove that there is a fact of fraud. At the same time, it is worth contacting the technical support service. Here is a smallinstructions on how to cancel a payment in Qiwi using the help of the customer service:
- Go to the official page of the qiwi.com website and enter your personal account.
- Open the additional menu located in the upper right corner and select the "Help" tab.
- Use the line "There was an error in the payment details."
- If the payment was made from a computer, describe how the payment was made, indicate "Other way".
- Fill out the provided form and attach a screenshot of the check (it's easy to find in the "Payment History" section).
- Press the "Submit" button, wait for a response from a technical support employee and follow the instructions.
Important moment! If the transaction was carried out through the terminal, the scheme will be similar. Just a couple of additional questions will be added to the questionnaire. All this can be found in the check. If you do not have it left, it will be almost impossible to return the spent funds.
Transferring money to an organization
Now let's look at how to cancel a payment in Qiwi when the recipient is a legal entity. Most likely, you will not be able to contact the counterparty directly, because the account will be corporate. It is better to immediately contact QIWI technical support and try to convince the administration of the payment service to return the payment to the sender.
You should prepare in advance for a thorough check and stock up on the maximum number of supporting documents. If this is not the first time you work with the organization, you know the contactsaccounting department or director, you can try to resolve the issue yourself.
Technical error while filling data
And how to cancel a payment in a Qiwi wallet when money was transferred through the terminal? Here you need to act immediately.
Carefully study the check issued by the device and find information about the official representative of Qiwi or the phone number of the company serving a particular terminal.
Call the number provided and describe the problem in detail.
Discuss with the operator the options and ways to return the money to the original wallet.
Never get rid of the check before the funds are credited. The information contained in it will definitely be needed in case of disputes.
Important moment! If for some reason there is no receipt, you can return to the terminal and order a copy of the document. It is important to remember which wallet number the payment was made to. If there is no such information, it is impossible to return the funds.
Firms servicing terminals value their business reputation very much. Therefore, difficulties with reverse operations most often do not arise. However, payment cancellation will be possible only when the counterparty has not yet had time to cash out the received funds or use them in another way.
System failure
Like other electronic services, Qiwi crashes happen. Then, even if the details are correctly specified, the money does not come to the recipient. How to cancel a Qiwi payment in this case?
Hereonly one way out:
- Go to the service support page (qiwi.com/support.action).
- Upload a scanned copy of the receipt and describe the situation in detail.
- Wait for the response of the service or the transfer of money. They can be either transferred to the seller or returned to the buyer's account.
Fraud
Since online fraud is a fairly common phenomenon, a person who transferred money to an unscrupulous counterparty has no choice but to cancel the Qiwi payment processing.
It is important to write a statement to the police. This does not guarantee a quick return of funds, but it gives law enforcement agencies the opportunity to deal with such a phenomenon. In addition, the presence of a statement not only provides a basis for prompt action, but also confirms that you not only changed your mind about paying someone, but were deceived by a dishonest person.
Fraud is fundamentally different from a regular payment with erroneously specified details. Therefore, the technical support service of the payment service allocates such requests to a separate category. It's called "I ran into a scam." When filling out the questionnaire, pay special attention to the item "Write in detail what happened." Try to include as much information as you know. This will greatly help the security service to quickly understand the situation.
Regular payment
If you constantly pay for the same service, you can schedule a recurring payment. It is enough to enter the necessary details once and indicate the date of debiting the funds. On the last page of the payment formation, you must check the box "Schedule payment" and click the "Pay" button. Now, on a certain day of each month, the specified amount will be debited from your account. You just need to confirm the transaction by sending an SMS code and make sure that there are enough funds on the account at the specified moment.
And how to cancel a regular payment in Qiwi? Very simple. It is enough to visit your personal account, go to the "Selected payments" section and uncheck the corresponding box.
Precautions and difficulties with refunds
The developers of the Qiwi Wallet payment service carefully monitor the security of payments and constantly improve the service. But no one is immune from trouble. To minimize risks, you should follow simple rules:
- Never throw away a check until the money is actually credited to the account of the counterparty.
- Be as careful and accurate as possible when filling in payment details.
- If an error is found, do not panic, but take action as soon as possible.
There are a few more important things to keep in mind:
- Return money to the original wallet is real when they are not withdrawn from the recipient's account. If the amount has already been cashed out by the recipient or transferred to any third party account, it will not be possible to cancel the transaction.
- In the absence of a check or the impossibility of restoring it, prove the fact of committingpayment will be difficult.
Be careful when making payments and never give your payment details to an unknown person! This is especially true when your wallet has been blocked for various reasons. By agreeing to intermediary services to restore the payment service, you provide personal data to an outsider and provide him with unhindered access to your money.
